Sustainability: facts before words, concrete actions rather than promises. This is why at HDI Assicurazioni we pursue 4 pillars called “Actions” that are at the core of our sustainability vision. This is a significant commitment that will increasingly represent a distinctive feature of our corporate identity, aimed at ensuring both a widespread and lasting well-being that in turn will create shared value. It is about actively working with a desire and passion to make a difference, today and in the future. This is the only way that we can truly be close to our people, the planet, and the communities & territories in which we operate.

THE VALUE OF "ACTION"

With the Talanx AG Group, of which we are a part, we have signed up to the UN PRI ("Principles for Responsible Investment") with the aim of encouraging the spread of sustainable and responsible investment among institutional investors.



In addition, since 2019, the Group has decided to contribute to the achievement of 8 SDGs (sustainable development goals) promoted by the United Nations.

We incorporated ESG (environmental, social and governance) issues into our investment analysis and decision-making processes.

We are active shareholders and incorporated ESG issues into our management policies and practices.

We demanded appropriate disclosure on ESG issues by the companies in which we invest.

We promoted acceptance and implementation of the ESG Principles among investors.

We worked together to enhance effectiveness in implementing these Principles.

We reported our activities and progress towards implementing the ESG Principles.

"ACTION" FOR THE FUTURE

Our Action for the future represents a radical change that affects our entire corporate strategy, by embracing a new way of being, thinking and acting in a sustainable manner. Over time, we built a governance structure that considers sustainability issues in a careful and responsible manner, integrating it into our corporate strategy and choosing to focus on investments that align to our vision. Following this commitment, we have embarked upon an investment management policy inspired by sustainability criteria, adopting and making public our ESG Policy, which integrates the traditional financial investment process with assessments related to environmental, social and good governance factors. With this in mind, we have defined our ESG roadmap, outlining the path to sustainable growth, and annually prepare the ESG report, which is approved by the Board of Directors.

Furthermore, according to the rules defined in the ESG Policy and Code of Ethics, we have evaluated all our investments according to negative screening criteria, avoiding companies or sectors that are not in line with our parameters and values, whilst all investments related to sustainable products (about 30% of the total) have been evaluated by a third party in accordance with ESG criteria.

"ACTION" TO INNOVATE

Our Action to innovate is a continuous desire to experiment, searching for new solutions, products and offers with a sustainable soul. Advanced projects: digital projects, i.e., an app or infrastructural projects, i.e., our headquarters designed in accordance with the LEED approach. Our sustainability values are aligned with innovation. In this sense, we have promoted the creation of new commercial proposals in line with the highest standards of sustainability by adopting physical and digital infrastructures that can respond responsibly to the needs of customers and the corporate structure.

In recent years, we created numerous products with sustainability features (including “Progetto Investimento Flex” and “Sella Multi Solution”), launched sustainability initiatives and participated in & supported Investment Funds and entrepreneurial realities with a positive impact (including Oltreventure, BarCamper and Wonderful Italy). As regards technological infrastructures, we have adopted cutting-edge solutions for customers, such as Payment & Collection Engine and “HDI Insieme”, a telematic policy with a dedicated App, implementing an accurate Cybersecurity and data and privacy management strategy.



Our headquarters have been built according to the LEED (Leadership in Energy and Environmental Design) approach, obtained USGBC certification for energy efficiency, the adoption of “plastic free” policies and the integration of the “Agile” model, with spaces and furnishings designed specifically to encourage the sharing of ideas, projects and culture.

"ACTION" FOR PEOPLE

Action for people means the continual and consistent development of our collaborators, believing in their talent, investing in the improvement of their skill set and well-being. Further broadening our focus to the community, supporting numerous initiatives consistent with our values. We firmly believe that people are the real engine of change and will make the difference in achieving a more inclusive and sustainable world. For this reason, employee training and community support is of paramount importance to HDI.

Regarding employee growth, we have developed a structured training plan that includes both mandatory training and tailored activities, such as those involving employees of different ages to encourage intergenerational interaction and collaboration, those dedicated to integrating ESG factors into the company, and sustainability update courses for the sales network.

Moreover, with attention to human rights, inclusion, and workers' conditions, we have adopted a diversity and inclusion policy, we provide employees with an annual benefit for corporate welfare, offer a health insurance policy covering the entire family, and have updated the corporate website to make it accessible to everyone through Accessiway.

Community engagement is central to our strategy: we actively participate in organizing meetings and partnerships to enhance cultural exchange and opportunities for information and networking. We raised awareness on combating violence against women by supporting Differenza Donna and installing a series of red benches within the schools od the IX Municipality of Rome. We collaborated with universities by participating in Career Days and financing Master's programs. We are involved in secondary education through the project “Nel Senso Giusto," an initiative for road safety education for students. We support organizations and foundations that operate in support of the community such as Filonlus, L’Albero della Vita, Banco Alimentare, and AIRC. Lastly, we are partners in numerous sports teams and initiatives. We support ASD Fly Sport Molise in Wheelchair Basketball. In women's basketball, we stand by the women's team of Basket Schio (Serie A). In football, we sponsor S.P.A.L. and serve as the Insurance Partner for both the male and female teams of AS Roma. In motorsport, we compete with Dennis Foggia in Moto2 and are the Official Partner of the Porsche Carrera Cup Italia.

"ACTION" FOR THE ENVIRONMENT

From our carbon footprint to ESG policies and ratings, our Action for the environment underpins a concrete and responsible commitment that impacts our entire world: offices, investments, employees and suppliers. An important first step dedicated to the only planet we have. We aim to be at the forefront of the fundamental challenges affecting the environment and in particular the climate crisis, actively engaging and implementing short and long-term concrete actions.

In light of these goals, we have been calculating the greenhouse gas emissions of all our offices and have conducted a carbon footprint analysis according to the UNI EN ISO 14064-1:2019 standard. In 2023, we continued our path of reducing greenhouse gas emissions through significant initiatives such as transitioning to renewable sources of electricity, renewing the company fleet, and implementing a sustainable mobility policy. Moreover, we have decided to purchase electricity exclusively from renewable sources (wind, solar, and hydroelectric) for all our locations.

Regarding mobility, we also chose to integrate sustainability aspects into a dedicated procedure for managing business trips, in order to make more environmentally responsible choices and reduce our carbon footprint. And we have incentivized the creation of a "green" corporate fleet by gradually replacing all conventional vehicles with electric and full hybrid cars, which currently make up half of the company fleet.

Furthermore, we have supported and developed biodiversity projects related to beekeeping, linking the sale of sustainable products to the adoption of beehives and a honey garden at an urban apiary in Rome. Also, with the aim of reducing the environmental impact of our activities, since 2021, we have introduced a paperless policy and a plastic-free campaign aimed at removing PET bottles from the vending machines at the HDI headquarters in Palazzo Italia, allowing us to reduce consumption by approximately 900 kg of plastic per year. We have established a partnership with WAMI through which the liters of water used by our locations throughout the year are balanced by providing the equivalent number of liters to communities without access to this resource. This "water equal office" project, carried out with Oxfam, aims to provide drinking water to 4 communities in the village of Rockwood, Sri Lanka.

"We are aware of the key role that climate change and demographic trends will play in the coming years, as well as the impact that these factors will have not only on our way of doing business, but above all else on our planet. We intend to interlink the Company’s success to our commitments to creating value today by considering the future with respect of the environment, while achieving the common good, developing the communities in which we operate and increasing diversity, on a path of substantial and sustainable growth for both the Company and for those who come into contact with us. We will travel along this road with determination and conviction."

Roberto Mosca

CEO

WE ARE WHAT WE DO

We are what we do and we do this in order to offer customers individual solutions based on values of sustainability. Ensuring the well-being of the planet and of tomorrow’s generation is the most challenging insurance. But it is a commitment that we want to embody with seriousness and concreteness, more and more each day.